Many times, Clean Earth Restorations has been called to take care of San Diego water damage where the cause of the flood or water damage was not covered by the client’s insurance. Do you know the difference between water damage and flooding when it comes to a homeowners policy? Did you know that flooding is not typically covered by homeowners insurance?
Esurance.com gives a fairly simple and informative overview of the distinction between water damage and flooding when it comes to coverage. Basically, if the water source involves external water rising on your land (heavy rains for instance) it would be deemed a flood and not covered unless you had contracted a separate flood policy. Water damage, on the other hand, is water that hits your home before hitting the ground outside (for instance a broken pipe or a leaky roof) and is generally covered. Don’t forget though that policies vary and it’s essential for you to read your policy or inform yourself via your agent to understand exactly what your particular policy covers.
For more information about flood insurance, see below.
Are you wondering if it’s worth paying for flood insurance? Check out Floodsmart’s “What could flooding cost me?” simulation to help you make an informed decision:
Floodsmart.gov is the official site of the National Flood Insurance Program and naturally provides much information about flood insurance. Start with the FAQ and go from there.
Want to know where the nearest flood plane is other whether your property is considered at risk for flooding? See FEMA’s flood maps:
If you decide to buy flood insurance, pay special attention to details about basements, crawl spaces, and enclosed areas beneath buildings elevated on a full-story foundation; coverage may be limited regardless of whether your building is in a flood zone or the date of its construction.
Do you have questions about flood or water damage cleanup? Clean Earth Restorations is here to provide answers and free estimates on your remediation.
Whether it’s for advice or emergency clean up, Clean Earth Restorations strives to provide the best service possible to both residential and commercial customers. Contact us today to discuss your questions and projects.